Most people in Arkansas's biggest investment and most prized possession is their home. It just makes sense to get insurance for something so valuable.
Even if you want to save money and get the cheapest homeowner's insurance you can, don't make your policy too small. Talk to a contractor or a good real estate agent to find out how much it will really cost in today's dollars to rebuild your home from the ground up if something bad happens.
You want the amount of your policy to cover the full cost of rebuilding your home and the value of its contents. However, you should not insure for the value of the land on which your home sits. Many people make this mistake, which can cost them tens of thousands of dollars over a few years.
Most of the money you can save on your homeowner's insurance will come from making your home less likely to catch on fire and less likely to be broken into.
Make sure that all of the weeds and brush on your property are cleared at least ten feet away from any buildings.
Motion-activated lights outside can keep thieves away and lower your homeowner's insurance premium.
Cut back all the bushes near your windows and doors so that thieves can't hide while they break in. Make sure that every door leading outside of your house has a deadbolt, and use it even if you're just going to the store in the middle of the day. Most break-ins happen during the day, not at night as most people believe.
If you can afford it, a home security system that checks for fires and break-ins 24 hours a day, 7 days a week can save you up to 30 percent a month on your homeowner's insurance, which can help you pay for it.
Make sure you have the right number of smoke and fire detectors and that they all work and have fresh batteries. Every time you move your clock ahead or back an hour, you need to change the batteries.
Buy a fire extinguisher made for the kitchen and put it somewhere easy to reach.
Great! Now it's time to go online and compare different homeowner's insurance policies from different insurance companies. Don't fall into the trap of thinking that every comparison website lets you compare all of the different insurance companies. Not at all.
If you really want to make sure you're getting the cheapest homeowner's insurance in Arkansas, you'll need to compare prices on at least three different websites.
It takes a little more time and work, but once you've compared everything, you'll know for sure that you've found the most affordable homeowner's insurance in Arkansas.
